Risk Disclosure Statement

1. ONLINE BANKING SECURITY

While the bank employs industry-standard encryption and security measures to protect your account, online banking carries inherent risks, including unauthorized access, phishing attempts, and malware. You are responsible for safeguarding your login credentials and for reporting any suspected unauthorized activity immediately.

2. WEALTH BUILDER OPTION RISK

Wealth Builder options offered through the Platform carry market risk. Past returns are not indicative of future performance. Option returns depend on market conditions and are not guaranteed, and you may receive less than the amount invested.

3. TRANSACTION RISKS

Deposits and withdrawals may be subject to processing delays, network congestion (for crypto transfers), intermediary bank processing times (for wire transfers), and verification requirements. The completion time of any transaction may therefore vary.

4. NO FINANCIAL ADVICE

The Platform provides banking services and Wealth Builder products. Information on the Platform does not constitute personalized financial, investment, or tax advice. You should consult qualified professionals before making financial decisions.

5. PLATFORM AVAILABILITY

Service interruptions may occur due to scheduled maintenance, technical issues, or circumstances beyond the bank's control. The bank will make reasonable efforts to minimize downtime and notify users where practicable.

6. ACKNOWLEDGMENT